When banks say no, we say yes.
Fast, flexible financing for owners traditional banks turned down. Approval can happen within 24 hours — backed by a 92.5% approval rate.
- 92.5%approval rate
- A+BBB rating
- $1B+facilitated
- 4.6★Google rating
Based in Miami, FL · Serving businesses nationwide
See your funding options
Quick, no-obligation. Checking your options won't affect your credit.
Financing built around you
Three flexible ways to fund your business.
Whatever a bank declined you for, there's likely a fit here. Your dedicated funding specialist helps you choose the right one.
Term Funding
Business Loans
Fast term funding and working capital for businesses the bank turned down. We look at the health of your business — not just a credit score — so owners who don't fit a bank's rigid box still get a real shot. Put the funds to work: grow, hire, buy inventory, open a location, or cover a seasonal gap. The application is simple, a dedicated funding specialist guides every step, and amounts scale with your revenue. Approval can happen within 24 hours, so you can move on the opportunity in front of you instead of waiting weeks for a committee.
- Funding for businesses banks declined
- Simple application, dedicated specialist
- Approval can happen within 24 hours
Flexible Repayment
Revenue-Based Financing
Funding tied to your revenue, with repayment that flexes with your sales. When business is busy you pay a little more; when a month is slow, you pay less — no rigid fixed payment that ignores a quiet season. It's built for restaurants, retailers, contractors, and any owner with seasonal or fluctuating cash flow who needs capital that bends instead of breaks. Qualification leans on your actual deposits and sales history rather than a perfect credit file, so strong businesses banks overlook can still get funded. Approval can happen within 24 hours, with a clear, straightforward path from application to offer.
- Repayment flexes with your sales
- Built for seasonal & fluctuating cash flow
- Based on real revenue, not just credit
No Collateral
Unsecured Line of Credit
Flexible access to capital with no collateral required. Draw what you need, when you need it, and pay interest only on what you use — then your available credit replenishes as you repay. It's the safety net for payroll weeks, surprise repairs, bulk-inventory buys, or simply smoothing the gap between sending an invoice and getting paid. Because it's unsecured, you're not putting your home, equipment, or other assets on the line to qualify. Set it up once and keep it ready, drawing again and again without reapplying. Approval can happen within 24 hours, and your specialist helps you right-size the limit to your business.
- No collateral required to qualify
- Draw what you need, pay for what you use
- Stays ready — no reapplying each time
When banks say no
A bank decline isn't the end of your story.
Traditional banks turn down good businesses every day — for reasons that have little to do with whether you can succeed. We see it differently, and we move faster.
The bank said no — for reasons that have nothing to do with your business
Strong revenue, loyal customers, a real track record — and still a decline, because you didn't fit a rigid lending box. We look at how your business actually performs, which is why 92.5% of applicants get approved.
You needed the money weeks ago, not next quarter
Bank financing can mean stacks of paperwork and a six-week wait for a committee. By then the opportunity — or the emergency — has already passed. With Lyft Capital, approval can happen within 24 hours.
Your cash flow doesn't fit a one-size-fits-all payment
Seasonal swings and slow months are normal — a rigid fixed payment isn't. Our financing flexes with your revenue and your needs, so funding works with your business instead of against it.
How it works
From application to funding in three simple steps.
No mountain of paperwork, no six-week wait. Approval can happen within 24 hours.
- 01Step 1
Apply in minutes
Tell us about your business with a short, simple application — no mountain of paperwork. It takes minutes, not days, and checking your options won't affect your credit.
- 02Step 2
Get a decision fast
A dedicated funding specialist reviews your business and structures options that fit. Approval can happen within 24 hours — we look at how your business performs, not just a credit score.
- 03Step 3
Put the capital to work
Once you accept an offer, funding is sent so you can hire, restock, cover a gap, or seize the opportunity in front of you. Need more capital down the road? Your specialist is one call away.
Who we help
Funding for the businesses that keep Main Street running.
We work with owners across more than 300 industries. If your business does roughly $40,000+ a month in revenue and has been operating for 12 months or more, you're likely a strong fit — even if a bank has already turned you down.
Restaurants & Food Service
Working capital for new equipment, staffing, renovations, and getting through the slow season.
Retail & E-commerce
Stock up on inventory before peak season, expand a location, or smooth out cash flow between sales cycles.
Contractors & Construction
Cover materials, payroll, and equipment while you wait on progress payments and project invoices.
Trucking & Transportation
Fuel, repairs, fleet expansion, and bridging the gap between hauls and getting paid.
Healthcare & Medical
Funding for practices, clinics, and providers — equipment, hiring, and managing payor-mix timing.
Salons & Personal Care
Renovate, add chairs or rooms, hire, and keep cash flowing through quieter weeks.
Why Lyft Capital
A funding partner that bets on your business.
For more than a decade we've helped owners get the capital banks wouldn't — quickly, transparently, and on terms that fit how they actually run.
We say yes when banks say no
A bank decline isn't the end of the story. We fund strong businesses that don't fit rigid criteria, with a 92.5% approval rate for the owners who apply.
Speed when timing matters
Approval can happen within 24 hours. A simple application and a real human funding specialist — not a six-week committee.
Financing that fits your business
Three flexible products — term funding, revenue-based financing, and unsecured lines of credit — matched to how your business actually earns.
A track record you can trust
10+ years, an A+ BBB rating, 4.6★ on Google, and $1B+ facilitated for small-business owners nationwide.
Frequently asked
Straight answers before you apply.
After you apply, approval can happen within 24 hours. Timing from there depends on the product and your documents, but the whole process is built for speed — a simple application, a dedicated specialist, and a fast decision instead of a weeks-long bank review.
Most businesses doing roughly $40,000+ per month in revenue and operating for 12 months or more are a strong fit. We work with 300+ industries and look at how your business actually performs — not just your credit score — which is why our approval rate is 92.5%. The fastest way to know is to complete the form. It won't affect your credit to see your options.
Submitting the form to see your options does not impact your credit score. If you decide to move forward with a specific offer, we'll always tell you in advance what's involved before any step that could.
Yes — that's exactly who we serve. Banks turn down good businesses for rigid reasons all the time. We evaluate the health and revenue of your business, so owners the bank passed on still get a real shot at funding. Being declined elsewhere does not disqualify you here.
To start, just the short application. To finalize an offer we typically ask for a few recent business bank statements and some basic business details. Your funding specialist gives you a simple checklist — no mountain of paperwork.
A business loan is a lump sum of term funding for a specific goal. Revenue-based financing ties repayment to your sales, so it flexes with your busy and slow months. An unsecured line of credit lets you draw funds as you need them — with no collateral required — and pay only for what you use. Your specialist helps you choose the right fit.
Funding amounts are based on your revenue and the health of your business, ranging from smaller working-capital amounts up to larger facilities. The application asks how much you're looking for so we can tailor options to your needs. All financing is subject to approval, and amounts vary by applicant.
Get funded
See what your business qualifies for.
Tell us a little about your business and a Lyft Capital funding specialist will reach out with options built around how you actually operate. When banks say no, we say yes.
- Approval can happen within 24 hours
- 92.5% approval rate — even if a bank said no
- No obligation, and checking won't affect your credit
Prefer the phone? (888) 605-4554
Based in Miami, FL · Serving businesses nationwide
See your funding options
Quick, no-obligation. Checking your options won't affect your credit.